Terms of Service
These terms govern your use of the MaMoney mobile application (Android and iPhone) and the mamoney.app website ("the app", "we"). By using MaMoney, you agree to these terms. If you do not agree, please do not use the app.
1. What MaMoney is
MaMoney is a personal budgeting, debt and savings tracker. It is a tool for organizing information that you enter yourself. It does not connect to banks, execute payments, or move money in any way.
2. Not financial advice
MaMoney provides tools, calculations, and visualizations based on the data you enter. Nothing in the app constitutes financial, investment, tax, or legal advice. Figures such as debt payoff forecasts and spending summaries are estimates for informational purposes only. For decisions about your finances, consult a qualified professional.
3. Your account
Creating a cloud account is optional. You can sign up with an email and password, Sign in with Apple (iPhone) or Sign in with Google. If you create an account, you are responsible for keeping your login credentials secure and for all activity under your account. You may delete your account and all its cloud data at any time, directly in the app (Setup → Cloud backup → Delete cloud account & data) or through our account deletion page.
4. Your data and responsibility
You own the data you enter into MaMoney. Because entries are typed by you, the accuracy of budgets, balances, and reports depends on the accuracy of what you enter. You are responsible for keeping backups of your data, whether through the optional cloud backup or the export feature in Settings.
5. Acceptable use
You agree not to misuse the app, including attempting to access other users' data, reverse engineering the app except where permitted by law, interfering with the service's operation, or using the app for any unlawful purpose.
6. Free and paid features
The core app is free. MaMoney Premium is an optional auto-renewing subscription that unlocks extra features. The price and billing period are shown in the app before you subscribe.
- Payment is charged to your Google Play or Apple ID account at confirmation of purchase.
- The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
- You can manage or cancel your subscription at any time in your Google Play or Apple ID account settings. Deleting the app does not cancel it.
- Payments, free trials (if offered) and refunds are handled by Google or Apple under their own policies. We cannot issue refunds directly.
The app may also show a small banner advertisement at the bottom of the screen in the free version. It never appears as a pop-up and never blocks the app. We will update the Privacy Policy if this changes what data is handled.
For iPhone, Apple's standard Licensed Application End User License Agreement also applies to your use of the app.
7. Availability and changes
We work hard to keep MaMoney and its cloud services available, but we do not guarantee uninterrupted service. We may update, change, or discontinue features at any time. Because the app is offline-first, your locally stored data remains accessible on your device even if cloud services are unavailable.
8. Disclaimer of warranties
MaMoney is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose and accuracy of calculations. You use the app at your own discretion and risk.
9. Limitation of liability
To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential damages, or for any financial decisions made based on information displayed in the app. Our total liability for any claim relating to the app will not exceed the amount you paid us in the twelve months before the claim.
10. Privacy
Our Privacy Policy explains what data the app handles and the choices you have. It forms part of these terms.
11. Termination
You can stop using MaMoney at any time. We may suspend or terminate cloud accounts that violate these terms. Local data on your device remains under your control.
12. Changes to these terms
If we make material changes, we will update this page and the "Last updated" date. Continued use of the app after changes means you accept the updated terms.
13. Contact
Questions about these terms: hello@mamoney.app